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811 N 3rd St, Red Oak, IA, 51566

3beds
2baths
1,858sqft
$95,000
$51price/sqft
$814/moest. monthly cost
$32,560/yrincome needed

About This Home

Charming 2-story home located on a corner lot in a welcoming small-town setting! This 3-bedroom property offers comfortable living spaces, off-street parking, and a detached 2-car garage with additional upstairs storage or flex space. Enjoy the extra outdoor space and convenience this home has to offer. Schedule your showing today!

Getting Around

79
WalkingVery Walkable
0
TransitVery Limited Transit
50
BikeBikeable

Schools

3/10
Inman Elementary SchoolGrades K-60.7 mi
4/10
Red Oak High SchoolGrades 7-120.8 mi

Construction

Condition

  • Year built: 1905

Materials

  • Roof: Composition
  • Construction materials: Frame

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family Residence

Interior

Appliances

  • Laundry features: Washer Hookup,Dryer Hookup

Basement

  • Has basement: Yes
  • Basement: Full,Unfinished

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 2

Features

  • Finished area below ground: 0
  • Finished area above ground: 1,858

Heating & Cooling

  • Heating features: Natural Gas
  • Cooling features: Central Air

Interior Area

  • Total structure area: 1,858
  • Total interior livable area: 1,858 sqft

Property

Details

  • Parcel number: 600628153005000
  • Zoning: res

Features

  • Levels: Two
  • Patio & porch: Patio

Lot

  • Lot size: 5,040 sqft
  • Lot size dimensions: 45x112

Parking

  • Parking features: Off Street

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Cold Wave
    Cold WaveVery High
  • Tornado
    TornadoVery High
  • Hail
    HailRelatively High
  • Heat Wave
    Heat WaveRelatively High
  • Inland Flooding
    Inland FloodingRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Ice Storm
    Ice StormModerate
  • Lightning
    LightningModerate

How This Home’s Risks Compare

Cold Wave
Tornado
Hail
Heat Wave
Inland Flooding
Strong Wind
Winter Weather
Ice Storm
Lightning

FEMA Declared Disasters Across Iowa Counties

Flood
Severe Storm
Tornado

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $480$5,760
Home Insurance *$97$1,164
Property Taxes $99$1,188
Electricity $138$1,663
Total$814$9,768
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$27,908/yr
40% on housing$24,420/yr
45% on housing$21,706/yr

Iowa FAIR Plan Programs

Iowa FAIR Plan Association

Covered
WildfireWildfire
Visit Website →
Current Policies
Residential: 1,021Commercial: 22
Total Premiums$1.14M
Total Exposure$85.68M

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 14.1%
14.1%
0%30.0%
Electricity Growth Rate10-year average: 1.9%
1.9%
0%15.0%
Property Taxes Growth Rate2-year average: -1.1%
-1.1%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$51This listing

vs Other Active Listings

Avg $/sqft

ZIP 51566$91
Montgomery County$125

vs Homes Sold Last Month

Median $/sqft

ZIP 51566
Montgomery County$131

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

No zestimate history available

Price History

DateEventPrice
2026-08-12Price change$90,000
2026-06-12Price change$95,000
2025-06-04Pending sale$79,900
2025-05-20Price change$79,900
2025-02-20Listed for sale$84,900
2019-02-21Sold$60,000
2019-02-14Pending sale$69,900
2018-11-07Price change$69,900
2018-06-15Listed for sale$72,900
2006-11-04Sold$46,000

For Sale by Agent

AgentTina Polly
BrokerageNP Dodge Real Estate - Council Bluffs

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